5 Most Common Homeowners Insurance Claims That Raise Premiums

​Home insurance is more or less an extra bill to pay. We’re not saying that you should give up filing a home insurance claim. But it would be wiser to prevent or minimize certain types of damage that your home might experience. If you have deductibles, then you have to shell out a huge amount of money first before your insurer pays your claim. The most important thing is to be proactive and avoid these disasters.

Bad Weather
Tornadoes will always remain destructive in any case. Lightning can also interfere and even fry your electronics equipment. This can set fire to the house. Hail is also as dangerous. Hail will destroy the roof, windows, and siding. You can't prevent natural disasters from happening, but you can do something to buffer the damage by installing lightning rods and things to protect your roof. This will not only decrease the insurance payout, but also lessen your stress from filing claims, and preserve your house better.

Plumbing Failures
Water damage is not usually caused by rain but the faulty plumbing system you have in your house. When you have two bathrooms, you already have a plumbing system of around 13 faucets. Each one can break anytime. No matter how perfectly you maintain your home, it’s susceptible to plumbing problems. Don’t let this eat up on your insurance by preventing clogged toilets and sinks overloaded with grease. Minimize human errors while performing regular maintenance checks with your plumber. 

Fires
When it comes to house fires, the emotional and financial stress can be overwhelming. It is actually one of the most terrifying things that can happen to your house. No matter how much coverage the insurer will pay you, a fire will damage your home and the memories in it. Fire will also force you to move out and rent a place temporarily. Prevent this by always inspecting and eliminating fire risks in your house. Never overload extension cords or leave heaters unattended.

Washer Hoses
It’s easy to forget washer hoses but beware if you have installed your washer and dryer somewhere in the basement. In that case, your washer hoses may break without you noticing it. The problem is not if it breaks in the basement but if it does on the second floor. That could cost you a six-figure amount. Thus, you should have a regular check-up and replacement for your hoses. That will keep your house from being flooded.

Flooding
Flooding is a term in insurance that has an external cause like an overflowing river. Your typical home insurance plan does not include this. If there are seas, lakes or rivers near your home, be more careful. Take precautions such as not leaving extension cords or furniture where the water could reach.

Some Final Words
There are many other things you should prevent from happening like someone tripping inside your house. One case of personal liability claim may actually lead to a whopping premium increase that will last for many years. Just because you have homeowners insurance, it doesn’t mean you won’t care about your house and your safety anymore.

At Insurance Agency Network , we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (425) 681-0996. Get your free quote today by CLICKING HERE.